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Last Updated on: 22 February, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Repco Home Finance Ltd

About the Company - Repco Home Finance Ltd

Repco Home Finance Ltd. is a Public Limited Listed company incorporated on 04/04/2000 and has its registered office in the State of Tamil Nadu, India. Company’s Corporate Identification Number(CIN) is L65922TN2000PLC044655 and registration number is 044655. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company’s Total Operating Revenue is Rs. 1290.19 Cr. and Equity Capital is Rs. 62.56 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance - HousingRepco Tower, No.33, North Usman Road, Chennai (Madras) Tamil Nadu 600017cs@repcohome.com
https://www.repcohome.com
Management
NamePosition Held
Mr. C ThangarajuChairman, Non Ind & Non Exe Director
Mr. K SwaminathanManaging Director & CEO
Mr. N BalasubramanianWhole Time Director
Mrs. R S IsabellaNon Exe.Non Ind.Director
Mrs. Jacintha LazarusNon Exe.Non Ind.Director
Mr. E SanthanamNon Exe.Non Ind.Director
Mrs. Sumithra RavichandranInd. Non-Executive Director
Mrs. Usha RaviInd. Non-Executive Director
Mr. R VaithianathanInd. Non-Executive Director
Mr. R SwaminathanInd. Non-Executive Director
Mr. Mrinal Kanti BhattacharyaInd. Non-Executive Director
Mr. B Raj KumarInd. Non-Executive Director

Repco Home Finance Ltd. Share Price Update

Share PriceValue
Today₹444.85
Previous Day₹424.35

Basic Stock Data of Repco Home Finance Ltd

Market Cap 2,872 Cr.
Current Price 459
High / Low493/168
Stock P/E7.80
Book Value 429
Dividend Yield0.57 %
ROCE9.04 %
ROE12.5 %
Face Value 10.0

Data Source: screener.in

Competitors of Repco Home Finance Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
LIC Housing Finance Ltd 34,984 Cr. 636670/3157.13 5311.34 %7.57 %11.1 % 2.00
Indiabulls Housing Finance Ltd 14,009 Cr. 190209/81.812.1 2490.66 %9.79 %6.62 % 2.00
Can Fin Homes Ltd 10,599 Cr. 796910/50814.9 2980.44 %8.36 %18.5 % 2.00
Coral India Finance & Housing Ltd 232 Cr. 57.574.5/26.111.6 41.30.55 %15.3 %12.6 % 2.00
Industry Average72.5 Cr419.8811.43279.830.75%10.26%12.21%2

Repco Home Finance Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue348355333320330322318302314327340364380
Interest209202185176174172168165169181186203207
Expenses2949621004210895535037424040
Financing Profit110104864511343568495109113122132
Financing Margin %31%29%26%14%34%13%17%28%30%33%33%33%35%
Other Income2572546534324
Depreciation3333333434444
Profit before tax108106904411543588495109112120132
Tax %25%25%29%27%25%26%28%26%25%26%27%26%26%
Net Profit81806332863142627181828998
EPS in Rs12.9212.7210.105.1313.735.036.729.9211.3712.9113.1214.2415.68
Gross NPA %4.30%3.70%4.40%4.30%7.00%7.00%6.40%6.50%6.20%5.80%5.50%
Net NPA %2.30%2.60%5.00%4.90%4.20%3.80%3.45%3.00%2.80%

Repco Home Finance Ltd Quarterly Chart

Repco Home Finance Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue3194065356938821,0461,1091,1911,3481,3761,2921,2851,412
Interest202266325431548646649720825807690701777
Expenses3332597299116151110153182344182160
Financing Profit83108152189234284309361370386258402476
Financing Margin %26%27%28%27%27%27%28%30%27%28%20%31%34%
Other Income00000014317151413
Depreciation222344351313131515
Profit before tax82107149186230280307360360390260401473
Tax %25%25%26%34%35%35%35%35%22%26%26%26%
Net Profit6180110123150182201235280288192296350
EPS in Rs13.2312.8717.7119.7424.0029.1332.1337.5144.8145.9730.6247.3355.95
Dividend Payout %8%9%7%8%8%7%7%7%6%5%8%6%

Repco Home Finance Ltd Profit & Loss Yearly Chart

Repco Home Finance Ltd Growth

Compounded Sales Growth
10 Years:12%
5 Years:3%
3 Years:-2%
TTM:17%
Compounded Profit Growth
10 Years:14%
5 Years:8%
3 Years:2%
TTM:44%
Stock Price CAGR
10 Years:3%
5 Years:7%
3 Years:12%
1 Year:125%
Return on Equity
10 Years:15%
5 Years:14%
3 Years:12%
Last Year:12%

Repco Home Finance Ltd Balance Sheet

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital46626262636363636363636363
Reserves2575726767508921,0751,2461,4651,7241,9972,1732,4542,624
Borrowings2,4863,0653,9025,1046,5387,5608,1349,34910,10910,1979,6929,92410,049
Other Liabilities63939615927034528881991087083116
Total Liabilities2,8533,7924,7366,0767,7639,0439,73110,95711,99512,36511,99712,52312,852
Fixed Assets34599914163731354054
CWIP0000000000040
Investments881212121616222222323232
Other Assets2,8413,7804,7196,0547,7429,0189,70210,91911,93512,31111,93012,44812,767
Total Assets2,8533,7924,7366,0767,7639,0439,73110,95711,99512,36511,99712,52312,852

Repco Home Finance Ltd Reserves and Borrowings Chart

Repco Home Finance Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity 70104-1,011-1,193-1,414-1,001-557-1,015349849691-363
Cash from Investing Activity -8-4-6-7-7-60-11-312-163160
Cash from Financing Activity -53918291,1951,4241,0095621,058-79-730-531205
Net Cash Flow9191-188-532532267131-22

Repco Home Finance Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %23%17%16%16%17%17%16%17%17%15%9%12%

Repco Home Finance Ltd Financial Efficiency Indicators Chart

Repco Home Finance Ltd Share Holding Pattern

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Promoters37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%
FIIs19.84%20.35%17.92%17.61%18.01%17.91%16.31%18.84%16.64%14.55%13.41%15.29%
DIIs20.07%20.10%21.98%21.39%21.01%19.71%16.64%16.86%16.96%18.03%19.55%18.40%
Public22.96%22.42%22.97%23.87%23.85%25.24%29.91%27.15%29.26%30.28%29.91%29.17%
No. of Shareholders34,34433,35335,92140,88541,12144,84047,24348,70947,49148,17444,53043,101

Repco Home Finance Ltd Shareholding Pattern Chart

No. of Repco Home Finance Ltd Shareholders

Repco Home Finance Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
HDFC Small Cap Fund - Regular Plan37337500.58147.52
Aditya Birla Sun Life Banking And Financial Services Fund21245532.8883.94
Aditya Birla Sun Life Small Cap Fund10970530.8643.34
Tata Banking and Financial Services Fund7500001.6629.63
HDFC Banking and Financial Services Fund7443660.9929.41
HDFC Housing Opportunities Fund5515641.7721.79
Mirae Asset Banking and Financial Services Fund4897901.2819.35
HDFC Infrastructure Fund - Regular Plan4280001.5716.91
Tata Young Citizens Fund (After 7 Years) - Regular Plan978561.263.87

Repco Home Finance Ltd ROCE Trend

Repco Home Finance Ltd EPS Trend

Repco Home Finance Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)50.5631.0347.9947.6639.81
Diluted EPS (Rs.)50.5631.0347.9947.6639.81
Cash EPS (Rs.)49.7232.6748.0546.8838.31
Book Value[Excl.RevalReserv]/Share (Rs.)413.87366.04337.73292.52248.89
Book Value[Incl.RevalReserv]/Share (Rs.)413.87366.04337.73292.52248.89
Revenue From Operations / Share (Rs.)205.20206.23219.54215.07190.10
PBDIT / Share (Rs.)178.52153.82193.41191.51173.40
PBIT / Share (Rs.)176.12151.76191.34189.44172.60
PBT / Share (Rs.)64.0641.4862.3157.5857.52
Net Profit / Share (Rs.)47.3330.6245.9744.8137.51
NP After MI And SOA / Share (Rs.)50.5631.0347.9947.6639.81
PBDIT Margin (%)86.9974.5888.0989.0491.21
PBIT Margin (%)85.8273.5887.1588.0890.79
PBT Margin (%)31.2120.1128.3826.7730.25
Net Profit Margin (%)23.0614.8420.9320.8319.73
NP After MI And SOA Margin (%)24.6315.0421.8522.1520.94
Return on Networth / Equity (%)12.218.4714.2016.2915.99
Return on Capital Employeed (%)41.8640.9055.0646.2543.24
Return On Assets (%)2.511.612.412.472.26
Long Term Debt / Equity (X)0.000.000.000.370.56
Total Debt / Equity (X)3.834.234.835.526.00
Asset Turnover Ratio (%)0.100.100.110.110.11
Current Ratio (X)1.261.231.211.271.29
Quick Ratio (X)1.261.231.211.271.29
Dividend Payout Ratio (NP) (%)4.948.055.200.006.64
Dividend Payout Ratio (CP) (%)4.727.554.990.006.51
Earning Retention Ratio (%)95.0691.9594.800.0093.36
Cash Earning Retention Ratio (%)95.2892.4595.010.0093.49
Interest Coverage Ratio (X)1.591.391.501.451.51
Interest Coverage Ratio (Post Tax) (X)1.421.281.361.341.33
Enterprise Value (Cr.)10593.8510187.9011850.3610518.8412203.62
EV / Net Operating Revenue (X)8.257.908.637.8210.26
EV / EBITDA (X)9.4910.599.798.7811.25
MarketCap / Net Operating Revenue (X)0.870.851.530.542.45
Retention Ratios (%)95.0591.9494.790.0093.35
Price / BV (X)0.430.480.990.401.87
Price / Net Operating Revenue (X)0.870.851.530.542.45
EarningsYield0.280.170.140.400.08

Repco Home Finance Ltd Profitability Ratios (%)

Repco Home Finance Ltd Liquidity Ratios

Repco Home Finance Ltd Liquidity Ratios (%)

Repco Home Finance Ltd Interest Coverage Ratios (X)

Repco Home Finance Ltd Valuation Ratios

Fair Value / Intrinsic Value of Repco Home Finance Ltd

Fair Value: ₹420.66

The stock is overvalued by 8.35% compared to the current price ₹459

*Investments are subject to market risks

Strength and Weakness of Repco Home Finance Ltd

Unable to fetch valid data for stock valuation.

Should I Buy Repco Home Finance Ltd Share Now?

  • Considering various financial indicators, investors might exercise caution regarding investment in Repco Home Finance Ltd:
    1. Net Profit Margin: 23.06%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 41.86% (Industry Average ROCE: 58.48%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. Interest Coverage Ratio (Post Tax): 1.42
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    4. Quick Ratio: 1.26
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    5. ✓ Stock P/E: 7.90 (Industry average Stock P/E: 8.57)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    6. ✗ Total Debt / Equity: 3.83
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis suggests exercising caution. It's advisable to conduct further research or consult with financial experts before considering any investment.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Repco Home Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE